Instant Payments via QR Code

Below is a guide on how to quickly and easily pay your bills using the IPS Scan option: 1. Open the AIK mBanking app and select the IPS Scan option (either before logging into the app or in the ˈPaymentsˈ section after logging in). 2. Scan the QR code from the bill or at the point of sale. 3. After scanning, a pre-filled payment order will appear on your screen. You can modify the payment amount or the urgency of the order if needed. 4. Confirm the payment by entering your PIN.

If you don’t have your payment card with you or haven't activated a digital wallet yet, you can still pay at points of sale using the IPS Show option in just a few simple steps: 1. Inform the cashier that you would like to pay via the IPS option. 2. Open the AIK mBanking app and select the IPS Show option (either before logging into the app or in the ˈPaymentsˈ section after logging in). 3. Enter your PIN. 4. The app will generate a QR code. Show it to the cashier, who will scan it to complete the payment. Please note that the QR code is valid for only 45 seconds. If the code expires, you will need to generate a new one to complete the payment.

To send money via the IPS Transfer option available in the AIK mBanking app, all you need is a few seconds and the phone number of the person you wish to send money to: 1. In the mBanking app, select the ˈPaymentsˈ option, then choose ˈTransfer. ˈ 2. Select the recipient from your contact list. 3. Enter the desired amount and confirm the transaction by entering your mPIN. For the transaction to be processed, the recipient must also have the ˈIPS Transferˈ service activated on their mBanking app. If this is not the case, the app will notify you that the transaction cannot be completed.